Equity Clock

Arithmetic Average Seasonal Chart

Geometric Average Seasonal Chart

PBFS Relative to the S&P 500

PBFS Relative to the Sector

% of Revenue Generated in Each Quarter

% of Free Cash Flow Generated in Each Quarter

% of Net Income Generated in Each Quarter

Seasonal Chart Analysis

Analysis of the Pioneer Bancorp Inc. (NASD:PBFS) seasonal charts above shows that a Buy Date of August 16 and a Sell Date of December 23 has resulted in a geometric average return of 6.54% above the benchmark rate of the S&P 500 Total Return Index over the past 6 years. This seasonal timeframe has shown positive results compared to the benchmark in 5 of those periods. This is a very good rate of success and the return strongly outperforms the relative buy-and-hold performance of the stock over the past 6 years by an average of 21.3% per year.

The seasonal timeframe correlates Poorly with the period of seasonal strength for the Financial sector, which runs from November 22 to April 13. The seasonal chart for the broad sector is available via the following link: Financial Sector Seasonal Chart.

A word of caution: Only 6 years of data is available for shares of PBFS, perhaps insufficient to create a seasonal profile that accurately gauges the seasonal tendencies influencing the investment. Ideally, while 20 years is preferred, at least 10 years of data is required to perform a seasonal analysis that is considered to be reliable for future seasonal periods.

Pioneer Bancorp, Inc. is a two-tier mutual holding company for Pioneer Bank, which engages in lending activity originating commercial real estate loans, commercial and industrial loans, commercial construction loans and home equity loans, and lines of credit. It operates through the following portfolio segments: Commercial, Residential Mortgages, Home Equity Loans and Lines, and Consumer. The Commercial segment is secured by multi-family and nonresidential real estate and generally has larger balances and involves a greater degree of risk than residential real estate loans. The Residential Mortgages segment focuses on the basis of the borrower’s ability to make repayment from his or her employment or other income, and which is secured by real property whose value tends to be more easily ascertainable. The Home Equity Loans and Lines segment includes loans secured by real estate and may entail greater risk than first-lien residential mortgage loans due to a lower lien position. The Consumer segment refers to the unsecured loans and loans secured by assets that depreciate rapidly, such as motor vehicles, and are subject to greater risk. The company was founded in March 2019 and is headquartered in Albany, NY.

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Stocks mentioned in this post: PBFS